Re: Virtual Bank
No problem, MM.
A comment about customer service. It can be very subjective. Depends on why you had to deal with their customer service. Auto insurance companies are a good example. If someone tells you their auto insurance company has great customer service, ask them if they've had to make any claims -- often they'll say no. Customers who hate their auto insurance company have typically had 1 or more claims in the last year.
Also a comment about referral bonuses. As a general rule of thumb, I shy away from banks that offer referral bonuses. Typically if a bank is handing out lots of bonuses, (a) their interest rates aren't good enough to attract customers on their own, (b) the bank can't afford to pay out the highest rates because it's paying out all these referral bonuses, and (c) the bank won't attract the kind of long-term, high deposit customers that will keep it in good long-term financial shape. Just my $.02.
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